Phillipsburg, NJ vs Troy Hills, NJ

The cost of living difference between Phillipsburg, NJ and Troy Hills, NJ is dramatic. Phillipsburg is 56.1% cheaper than Troy Hills, a gap that translates to thousands of dollars per year in household expenses. Phillipsburg has a cost index of 83 while Troy Hills sits at 190, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Phillipsburg is $1,118/month compared to $3,250/month in Troy Hills — a 66% difference. Home values follow the same pattern: Phillipsburg is more affordable at $180,700 median vs $634,600.

Median household income in Phillipsburg is $67,782 compared to $180,618 in Troy Hills (-62.5%). While Troy Hills is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Phillipsburg spend roughly 19.8% of their income on rent, less than the 21.6% in Troy Hills.